In the heart of Florida, an ambitious agency owner has turned a leap of faith into a thriving commercial insurance business. With roots in construction and a background in health sciences, she entered the insurance world not by plan but by passion and performance. Just three years after launching her independent agency in October 2022, she's grown it from zero to $346,000 in annual revenue, with $30,000 in new monthly revenue consistently added in 2025.
"I started my company after turning down a 3% partnership offer at my old firm. They ended up selling for $91 million, but there’s nothing like owning your own business,” she shared during a recent discovery call with Equity Expansion.
This agency isn’t just growing; it’s accelerating. But as any owner knows, rapid growth comes with trade-offs.
She started alone, wearing every hat sale, service, admin, hiring, payroll, technology. Now with a small but mighty team and plans to expand by two more hires, the pressure to scale efficiently is real.
"I read a book called Buy Back Your Time. That helped me realize I needed to stop doing everything myself. Now I have people handling admin and back-end tasks, so I can focus on growth."
Still, systems like AMS software, carrier reconciliations, and recruiting seasoned talent remain time-consuming and capital-intensive.
Despite the upward momentum, the agency owner acknowledged a universal truth: "I don't want to be an employee of my own company forever."
She’s not looking to exit tomorrow but she is thinking ahead. She’s built something with long-term value, and she’s aware of the growing role private equity plays in the insurance industry.
She turned to Equity Expansion to explore:
Equity Expansion offers a partnership model grounded in three pillars:
1. Operational Support
"What’s bottlenecking your agency right now?" That’s one of the first questions Equity Expansion asks.
Their back-office support includes:
For agency owners like this one focused on production and leadership this means shedding time-draining tasks without sacrificing growth.
2. Financial Structuring & Equity Rollover
In a sample financial package:
As explained in the call: "Equity appreciates far faster than agencies grow organically. That’s where real wealth is created."
This agency owner missed out on $2.7 million when she walked away from 3% equity in her former firm. With Equity Expansion, she can participate more fully rolling over 20% of value into equity with 3–5x growth potential every cycle.
3. Culture Fit First
Money matters. But so does who you're partnered with.
"If you don’t want to pick up the phone when your partner calls, none of the financials matter," said Equity Expansion. Their process emphasizes alignment in:
What’s Next for This Agency?
The agency owner left the conversation with clarity not pressure. She’ll revisit the idea of partnership in Q4 or 2026, continuing to build value in the meantime.
Still, she knows a partnership window doesn’t last forever. As private equity reshapes the landscape, the chance to roll equity and scale with a strong partner might not be available indefinitely.
"We’re growing at a very rapid speed. I love what I do, but eventually, I want to work on my business, not just in it."
Thinking About Your Next Move?
Whether you’re scaling fast like this Florida agency owner or simply looking for a smoother path forward,
Equity Expansion can help you:
Schedule a confidential consultation and explore whether the time is right to scale with a trusted partner.